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Financial Planning

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Managing your finances to meet your day to day requirements as well as your long term goals can be a complex task. There are all sorts of issues you need to consider such as taxation, government legislation, protecting your wealth and assets, associated costs as well as the inherent risks of investment.

When undertaking a financial plan it is important that you understand how these issues will impact on you and what you should expect over time.There is no simple broad definition that can encompass all of the various components of a comprehensive financial plan. Depending where you are on your financial life journey your plan should take into account the following

  • Personal Insurance
  • Debt Management
  • Wealth Accumulation outside of Superannuation
  • Wealth Accumulation within Superannuation
  • Retirement Planning
  • Social Security
  • Estate Planning

Whatever your financial planning needs the most important outcome of the advice is that it should be appropriate in your personal situation.

You need to understand how and what you are paying for your advice. You also need to understand any circumstances which may influence the advice you are receiving in particular the way your adviser is being remunerated.